Discover does forgive... You should be ok, if your current scores are good....
Thats more than long enough....
@Anonymous wrote:
I guess I didn’t explain myself good enough. The charge off has been off my report for about 18 years now. I had the card 25 years ago and quickly maxed out the credit and was unable to pay it. It went on my report and was off in 7 years (hence the part about it being off my report for 18 years). I wasn’t good at credit when I got my Discover card. It was my first card and I maxed it out. I was a college student and was not working at the time. I took the credit hit and waited the 7 years for it to go off my report.
No worries... no need to explain the why part (most of us have been there with the baddies and completely understand). We're all here to help! 
We may have misunderstood you, but glad to know they're not still on there! That's a relief! So as I said, go for it! Disco is a great card to have and I definitely think you'll be happy with the decision, especially if you're approved. Like I said, the worst they can do is deny you, but you won't know where you stand unless you make the attempt. Unfortunately, I don't believe any of us here have hard core knowledge on their BL policy.
We're all rooting for you and with your data points, I believe you have a fair shot at getting approved, besides having the C/O from long ago. Disco has been known to offer the IT with fair credit scores, but you may be CO'd with less desirable terms and intro bonuses, such as on the 0% into APR, etc. (I seen one who was offered six or nine months instead of the fourteen).